Eligibility for Full-time Undergraduates
Undergraduate students who are offered and have not rejected the Ministry of Education (MOE) Tuition Grant for their undergraduate studies qualify for NUS Financial Aid Package if they are:
- Singapore Citizen or Singapore Permanent Resident with gross monthly household per capita income (PCI) up to S$3,500; or
- International Student with PCI up to S$1,875
International undergraduate students who have rejected the MOE Tuition Grant or offered admission without the MOE Tuition Grant are not eligible for all Financial Aid schemes including the MOE Tuition Fee Loan and scholarships.
Gross Monthly Household Per Capita Income (PCI) Computation Formula
In line with other government financial assistance such as MediShield Life and ComCare, MOE and Post-Secondary Education Institutions (PSEIs), including NUS, will onboard the Household Means Eligibility System (HOMES) to conduct means-testing for government-funded financial assistance schemes such as the Higher Education Community Bursary and the Higher Education Bursary from AY2026/2027.
Assessment of Eligibility for Government Bursaries
- Your bursary eligibility will be assessed using the Household Means Eligibility System (HOMES), a government system that provides up-to-date income information and verifies household composition to support means testing as part of the assessment process.
- You should view and confirm your household composition via https://www.homes.gov.sg/eservice before you apply for NUS Financial Aid.
- You or your family members may be contacted by HOMES Ops team directly during the assessment process.
Concurrent Degree Programmes and Graduate Students
Students who are reading Concurrent Degree Programmes will not be eligible for the NUS Financial Aid Package for Undergraduate Students, once they are charged graduate tuition fees. Similarly, graduate students are not eligible for the NUS Financial Aid Package for Undergraduate Students. Both types of students should visit NUS Graduate School Graduate Admissions website on scholarships and financial aid for graduate students.
Overview of Financial Aid Schemes for Singapore Citizens and Singapore Permanent Residents
| Schemes | Eligibility | Annual Quantum for Full-time Undergraduates* | Application Requirements |
|---|---|---|---|
| Covering Tuition Fees and Living Expenses | Submit ONE Financial Aid Application to Office of Financial Aid to be considered for the NUS-administered Financial Aid Package | ||
| Higher Education Student Loan - Balance Fee Coverage & Living Allowance
(With effect from AY2026/2027) | Singapore Citizens or Singapore Permanent Residents with PCI up to S$3,500 | HESL - Balance Fee Coverage Capped at 10% of the subsidised tuition fees payable by Singapore Citizens (Not applicable for Singapore Permanent Residents)
HESL - Living Allowance Up to S$4,100 living allowance per annum | |
| Higher Education Bursary | From AY2026/2027, Singapore Citizens with GHI S$5,501 to S$9,000 or PCI S$1,376 to S$2,250 Singapore Citizens with GHI S$9,001 to S$12,000 or PCI S$2,251 to S$3,000 | S$3,250 / Up to S$15,200 (For Medicine/Dentistry students) S$1,350 / Up to S$9,200 (For Medicine/Dentistry students) | |
| Higher Education Community Bursary | From AY2026/2027, Singapore Citizens with GHI up to S$4,000 or PCI up to S$1,000 Singapore Citizens with GHI S$4,001 to S$5,500 or PCI S$1,001 to S$1,375 | S$6,300 / Up to S$23,200 (For Medicine/Dentistry students) S$5,100 / Up to S$19,200 (For Medicine/Dentistry students) | |
| NUS Donated Bursaries (including Faculty Donated Bursaries**) | Financially needy undergraduates | From S$1,500 | |
| NUS Student Assistance Loan | Financially needy undergraduates | From S$1,000 | |
| NUS Notebook Loan | Financially needy undergraduates | S$1,500 | |
| Work Study Assistance Scheme | Financially needy undergraduates | Provides letter requesting priority consideration for part-time employment | |
| Covering NUS Hostel Fees | |||
| Residential Programme Bursary | Financially needy Singapore Citizen undergraduates | From S$600 | |
| Residential College Bursaries | Financially needy undergraduates | S$3,950 to S$6,000 | |
| Opportunity Enhancement Grant | Singapore Citizens with PCI up to S$750 | S$10,000 over the duration of the degree programme to possibly top up existing coverage for on-campus stay | |
| College Grants | Financially needy undergraduates | Varies | |
| Hall Bursaries | Financially needy undergraduates | Varies | |
| Covering Tuition Fees | |||
| Separate applications to external organisations from July to August if more aid is required to cover tuition fees | |||
| MOE Tuition Fee Loan (Applicable for AY2025/2026 only) | Undergraduates regardless of neediness | Up to 90% of Singapore Citizens’ subsidised tuition fees | DBS or OCBC |
| Higher Education Student Loan - Base Provision (With effect from AY2026/2027) | Undergraduates regardless of neediness | HESL - Base Provision Singapore Citizens - Up to 90% of subsidised tuition fees payable by Singapore Citizens Singapore Permanent Residents - Up to 65% of subsidised tuition fees payable by Singapore Permanent Residents | StudentLoanSG (SLSG) Portal (available from 1 July 2026) |
| Central Provident Fund Education Loan Scheme | Undergraduates receiving MOE Tuition Grant regardless of neediness | Up to 100% of subsidised tuition fees | Central Provident Fund (CPF) |
| MENDAKI Tertiary Tuition Fee Subsidy | Malay Singapore Citizen undergraduates receiving MOE Tuition Grant with PCI up to S$2,000 | 50% to 100% of subsidised tuition fees | Yayasan MENDAKI |
| Post-Secondary Education Account (PSEA) | Undergraduates regardless of neediness | Up to 100% of tuition fees | MOE (Through NUS) |
| Covering Costs of Participation in Overseas Programmes | |||
| NUS Awards for Study Abroad | Singapore Citizens with PCI up to S$1,900 | S$2,500 to S$5,000 | Refer to GRO website |
| NUS Overseas Colleges (NOC) Awards | Financially needy undergraduates | Varies | Refer to NOC Awards website |
| Overseas Student Exchange Programme (SEP) Loan | Financially needy undergraduates | Up to S$3,000 per semester | Submit the SEP Loan Application Form via the FAQ Portal |
| Higher Education Student Loan - Overseas Student Programme | Financially needy Singapore Citizen undergraduates | Varies | Click here for application information |
** At the Faculty of Arts and Social Sciences, Faculty of Law, NUS Business School, School of Computing, Yong Loo Lin School of Medicine and Alice Lee Centre for Nursing Studies
Enhanced Financial Aid for Singapore Citizens
| Eligibility | Quantum for Full-time Singaporean Undergraduates* | Application Requirements |
|---|---|---|
| Covering Tuition Fees and Living Expenses |
Apply for Financial Aid to be considered for the NUS enhanced Financial Aid Package | |
| Per Capita Income up to S$750 | 100% coverage of tuition fees per annum S$4,000 Living Allowance per annum Opportunity Enhancement Grant of S$10,000 over 4 years to top up financial aid for on-campus stay and overseas programmes | |
| Per Capita Income from S$751 to S$1,100 | 100% coverage of tuition fees | |
Note. Please note that our assessment of your eligibility for the Enhanced financial Aid Package is dependent on various factors such as your family income, mitigating circumstance and housing type, if applicable. Financially needy Singapore Citizen full-time undergraduate students who meet the eligibility criteria may also apply for Residential Programme Bursaries or Residential College Bursaries to cover accommodation-related fees. They will also continue to have access to other forms of financial aid available to all students including support for overseas exposure or exchange programmes, as well as loans.
Overview of Financial Aid Schemes for International Students
| Schemes | Eligibility | Annual Quantum for Full-time Undergraduates* | Application Requirements |
|---|---|---|---|
| Covering Tuition Fees and Living Expenses |
Submit ONE Financial Aid Application to Office of Financial Aid to be considered for the NUS Financial Aid Package | ||
| Higher Education Student Loan - Living Allowance | International Students with PCI up to S$1,875 | HESL - Living Allowance Up to S$4,100 per annum | |
| NUS Donated Bursaries (including Faculty Donated Bursaries**) | Financially needy undergraduates | From S$1,500 | |
| NUS Student Assistance Loan | Financially needy undergraduates | Up to S$4,000 | |
| Work Study Assistance | Financially needy undergraduates | Provides letter requesting priority consideration for part-time employment | |
| Covering NUS Hostel Fees | |||
| Residential College Bursaries | Financially needy undergraduates | S$3,950 to S$6,000 | |
| College Grants | Financially needy undergraduates | Varies | |
| Hall Bursaries | Financially needy undergraduates | Varies | |
| Covering Tuition Fees Submit a separate application to the appointed banks from July to August if more aid is required to cover tuition fees. | |||
| MOE Tuition Fee Loan (Applicable for AY2025/2026 only) | Undergraduates regardless of neediness | Up to 90% of Singapore Citizens’ subsidised tuition fees | DBS or OCBC |
| Higher Education Student Loan - Base Provision) (With effect from AY2026/2027) | Undergraduates regardless of neediness | HESL - Base Provision Up to 45% of subsidised tuition fees payable by International Students | StudentLoanSG (SLSG) Portal (available from 1 July 2026) |
| Covering Costs of Participation in Overseas Programmes | |||
| NUS Overseas Colleges (NOC) Awards | Financially needy undergraduates | Varies | Refer to the NOC Awards website |
| Overseas Student Exchange Programme (SEP) Loan | Financially needy undergraduates | Up to S$3,000 per semester | Submit the SEP Loan Application Form via the FAQ Portal |
* The detailed eligibility and annual quantum for specific groups of students may vary for individual schemes and can be found at the specific webpages for each scheme.
** At the Faculty of Arts and Social Sciences, Faculty of Law, NUS Business School, School of Computing, Yong Loo Lin School of Medicine and Alice Lee Centre for Nursing Studies
Other schemes are available for financially needy NUS full-time undergraduate students requiring separate applications.
Bursaries Administered by External Organisations
Chettiars’ Temple Society (CTS) Education Award
East Coast WinSTEM Bursary
Muslimin Trust Fund Association (MTFA) Bursary Award
The Ngee Ann Kongsi Tertiary Bursary
Toa Payoh Seu Teck Sean Tong Bursary
Serve Our City Education Bursary
SIET Interest-Free Study Loan
SINDA-SIET Tertiary Bursary
SM Jaleel Bursary - SMJFL Aspiration Bursary
SM Jaleel Foundation - Step-Up Relief Grant
Sivadas-HEB Education Fund
South West Tertiary Grant
NatSteel-SPD Education Programme Bursary Award
Special Malay Bursary
Yellow Ribbon Fund STAR Bursary
Endorsement of External Organisations' Bursaries Application Forms
The Office of Financial Aid (within the Office of Admissions) will assist to endorse external organisations' bursaries application form. Please write to us at: https://faq.nus.edu.sg/s/ for assistance.
Bursaries Administered by Faculties & NUSSU
Computing Alumni Assistance Award
Computing Student Development Fund
NUSSU Students’ Fund Book Grants
Skillsfuture Credit
SkillsFuture Credit for payment of undergraduate programme tuition fees by Singapore Citizens aged 25 years old and above and reading undergraduate programme approved by Singapore Workforce Development Agency, click here for details.